Courses and Times Wealth Building Fundamentals Building a budget Balancing your chequebook and reconciling your bank statement Different methods of earning an income Developing the 10% savings discipline How credit ratings are determined Credit cards (secured and unsecured) Wealth Creation and Management Various methods to save your money Various methods to invest your working capital Various methods to invest your savings Power of compounding and investing for the long term (more than two years) Investing for the short term (less than one year) Understanding how taxes are collected and redistributed Debt Management Lending money to friends and family Borrowing money from friends and family Borrowing money from banks Analyzing the costs of driving and owning a new vehicle compared to a used one What happens if you go into bankruptcy? Distancing yourself from the payday loans trap Managing your debt repayments as opposed to claiming bankruptcy

Money School offers 18 courses divided into three groups. You can take each group as a single workshop, or you can select individual courses that fit your specific needs. Once you determine which subjects and class format appeal most to you, please register by phone or online.

These six courses cover key financial basics. You work hard earning your money, and we teach you how to live comfortably within your means. Individual courses are available in semi-private or private meetings. Alternatively, the Wealth Building Fundamentals workshop includes all six subjects.

This course helps you develop a one-year spreadsheet to forecast your revenues and expenses.

This course helps you recognize that your bank balance is seldom in tune with your actual balance.

For those who are fortunate enough to operate their checking account with a cash cushion, this class helps ensure you are not being overcharged for banking fees or incorrectly charged for purchases you have not made.

For those operating without a cushion, it helps you avoid "not sufficient funds" (NSF) hassles and other unnecessary fees.

Thanks to the "Rich Dad Poor Dad" writings and books such as "Cash Flow Quadrant," all of us are becoming more aware of the different methods of earning an income. These include employment, self-employment, business ownership/management, and profitable investing.

Each method produces a different perception of how to make money. This course helps you understand each of them and also reminds you that work is a gift!

Saving money is much easier said than done for most and is a natural discipline for few. This course helps you develop a system with an accountability mechanism that will have you saving soon.

This course helps you understand how credit ratings are established and how bankers and other lenders view your ratings. The savings you can obtain by becoming a low credit risk are life altering.

Most people need to use credit cards. Managing them effectively can be difficult for some, thus leading to unnecessary interest payments. Credit card debt can be difficult to recover from if you're not managing your finances effectively and efficiently.

This course reinforces the importance of using your credit cards responsibly and also explains how to obtain and use a secured credit card to create your own financial advantage.

These six courses explain how to create wealth. We teach you how to save money, invest funds, and pay reasonable taxes. Individual courses are available in semi-private or private meetings. You also can take the Wealth Creation and Management workshop, which includes all six subjects.

This course discusses how the ultimate savings account at your bank compares with a pre-authorized savings deduction at a savings-based firm or an investment group. We explain where your savings will be safeguarded and how everyone wins by saving with a credible institution, organization, or specialized investment firm.

Is it better to pay down your debt or build up your RRSP? Is life insurance an investment in your dependents' or family's security? What type of life insurance is most valuable to you? Should you risk buying stock in a public company or instead invest in a private company? What are bonds? What are Junk Bonds?

This course tackles your investment questions head on. We make recommendations about how to keep your working capital safe and growing. We help you transition between saving your money and putting it to work for you at a growth rate that outpaces inflation.

Should you use a money manager, wealth preserver, trust the bank, or manage your wealth yourself? It is said that fools and their money soon part. Your savings is important for many reasons. We help you understand how to successfully convert from having your money work for you to working for fun while your savings becomes a security blanket for you and yours.

This course explains how valuable time becomes in the wealth building game. Many people fail to realize that building a million dollars requires an original stake of as little as $15,000 and the time and ability to let it grow in the right places.

Keep time on your side and gain comfort in the power of compounding. Warren Buffet and Berkshire Hathaway have been in the compounding business for over 60 years.

In the short term, the buy-low/sell-high investment strategy works—sometimes. If you are an adrenaline junkie when it comes to playing with your investment stake, then this course will help you. If you want to take some time off (to go to Money School) and decide what is best to do with your recent inheritance, buyout, or windfall, then this course also is for you.

We explain how to safegaurd your money in a GIC or short-term savings account while you take a timeout to build your wealth management strategy, expand your knowledge, and enhance your abilities to manage your wealth successfully.

This course helps you understand how and why the government relies on your contributions to operate the country and to service the collective well-being and state of the country. Taxes are the great equalizor in the wealth building game.

The taxman will try to be as much as a 35-percent partner in your paycheck. We want you to know how and when the tax factor should be considered to reduce your investment risks. In summary, we want course graduates to become proud taxpayers—but not foolish ones.

These final six courses explain how to manage wealth and debt. They cover lending and borrowing money, vehicle ownership, and bankruptcy issues. Individual courses are available in semi-private or private meetings. Alternatively, the Debt Management workshop includes all six subjects.

This course helps you consider whether loaning money is wise and helpful to all concerned. You are not a bank, but you are viewed as a bank because you have money. Have you considered that not all loans issued by banks get repaid?

We help you factor in the emotional impact of being involved in this type of money solution. As well, we help you prepare for the potential downsides and upsides that can come with approving this type of financial support.

It can be great if a family member or friend is willing to loan you money when required, but that card rarely gets played wisely. Is the money you require for a business idea? Is it a good idea? A good business idea? Is this money for a bail-out or to endorse an addiction of yours?

This course helps you consider all your options and helps you manage this money problem. We help you qualify (and quantify) your request. If you decide you seriously want to take this route, then we also help you create your sales pitch.

Term loans, credit lines, overdraft, secured, unsecured, co-signers, etc. This course helps you understand what the bank is looking for from you, which typically is no anticipated risk and the full and timely repayment of your interest and principle.

This course explains when different types of borrowing are warranted and how to avoid having the bank scoop from your "bank" pocket. Banks are cheap money! This course helps keep them that way.

Leasing, dealer finance, bank finance, cash purchase, new, or used? Most of us require a car, so this is a cost we must account for. It probably doesn't make cents to buy a new vehicle, but it might make sense to you.

This course shares the truths about your depreciating vehicle and emphasizes the key factors to consider. Do you make more money than you spend each month? Each year?

When you are short of money, there are wiser alternatives than a payday loan. The book "The Richest Man in Babylon" implies that the money problems that were in existence when money was first used in commerce are still around today.

If you are having a tough time with money, don't forget there is a fine line between success and failure. With patience and discipline, you can put yourself on a track towards developing wealth instead of being cornered by it. They say that if you keep change in a glass on your counter, then you are wealthier than 99 percent of the world's population.

This course provides insight as to what happens if you go into bankruptcy and how it might affect you both positively and negatively. In regards to the payday loans trap, we explain why putting good money after bad money is a wasteful excercise for all concerned.

Managing debt can be a slippery slope. This course helps you determine what the realities are in regards to being able to pay off your debts and recover from the burden of debt. Claiming bankruptcy and refocusing on a fresh start might be wiser than rebuilding your wealth and credit.

If you think you're about to be financially derailed, don't worry. Many people before you have encountered this reality and have emerged stronger as a result. You can count on us to be in your corner as you handle this money management issue.